Branch Manager

Role:

Is responsible for planning, organizing, directing and controlling the operational and sales activities of the branch. Administers all in branch sales and lending activities, training, budgeting, business development activities, loan underwriting, and monitors compliance. Provides leadership, support, and motivation to staff. Coordinates select employer group orientations and SEG site re-marketing efforts. Acts as liaison between SEG groups and the credit union. Directs and motivates sales staff to continuously improve member service, increase product penetration and loan production in order to meet the strategic goals of the credit union. Responsible for the teller line, member services platform, sales

Major Duties and Responsibilities:

(Management Effectiveness)

Responsible for effectively managing the branch sales, service delivery, and lending process. Monitors all branch activities to insure that they are in compliance with established credit union policies and procedures. Directs, develops, motivates, hires and disciplines branch personnel. Provides feedback to staff, supervisor, and other service centers on any issues that can improve performance. Administers performance evaluations and recommends appropriate actions.

(Loan/Credit Performance)

Acts as primary branch Loan Officer with Level B loan officer authority level. Evaluates loan applications and makes credit decisions by approving and declining credit based on current credit union policies, procedures, and underwriting guidelines. Performs loan review on all branch loans to assure proper documentation. Approving loans in the amount up to $15,000 unsecured and $60,000 secured. Approval of wire limits up to $250,000. Approval to order cash in the amount up to $450,000. Provides in-depth level of knowledge and skill in loan operations and servicing.

(Member Focus)

Ensures compliance with all credit union member service standards. Monitors all branch activities and staff in order to achieve superior member service. Responsible for the quality of the daily operations of all activities in the service center, including but not limited to all loan approvals, saving products, checking accounts, and service fulfillment.

(Business Development)

Is responsible for all sales activities associated with the service center. Is responsible for generating new sales opportunities through activities such as SEG lead development and follow-ups, community events, telemarketing efforts, and branch merchandising and marketing efforts. Responsible for monitoring all sales activities and results in order to ensure that branch and company sales goals are achieved. Provides feedback to staff on branch and personal sales performance as it relates to sales goals.

(Communication)

Maintains communications within the branch, prepares and submits standard reports, attends scheduled management, project strategy and any other management related meetings. Maintains professional standards with all member and staff contacts, written correspondence, and overall personnel and branch appearance.

(Employee Development and Management)

Coordinates and supports training activities and staff development in accordance with credit union strategic objectives. Conducts regular staff meetings to inform, motivate, and coach employees.

(Teamwork and Cooperation)

Maintains effective communications between branch and other service centers. Is willing to provide support to other service centers in order to achieve exceptional member service.

Other duties as assigned.

Additional Responsibilities:

1. To meet or exceed sales goals and financial objectives.
2. To maintain and develop a qualified staff sufficient to meet the needs of members.
3. To keep management informed regarding key operating issues affecting the branch.
4. To provide continuous product training, industry trends, and information to the staff to achieve branch and strategic goals.
5. Comprehensive knowledge of all applicable laws and regulations governing personnel, operations and lending.
6. Ability to work on Saturdays as requested.

Basic Qualifications:

Education

• Education: Bachelor's degree or equivalent operations experience in the financial industry field.

Experience

• Five years to ten years of management experience in a similar or related field.
• Minimum of 2 years consumer lending experience required, with primary focus on auto and unsecured lending. Credit Union experience preferred.
• Previous consumer loan approval and underwriting experience preferred.

Abilities, Knowledge and Skills

• Interpersonal Skills: Ability to lead, coach, and participate in teams.
• Strong verbal/written communication skills.
• Ability to effectively interact with people at all levels within and outside the organization.
• Ability to exercise sound judgement.
• Other Skills: Availability to work certain evenings and weekends.
• Computer literacy, including word processing and financial spreadsheets.
• Ability to communicate clearly and to be understood in English, both in writing and verbally, by telephone and face-to-face.
• Ability to operate a computer keyboard and read small print for extended periods of time.
• Ability to speak to groups ranging in size up to 100 people.
• Ability to exercise good judgement and problem solve.
• Ability to manage multiple projects.
• Ability to gather data, analyze results, prepare budgets and write reports.
• Ability to participate in meetings in increments of 2-3 hours.
• Ability to travel to other credit union locations and attend off-site meetings during normal business hours, after/before normal business hours and on weekends.
• Performs all duties and assignments in compliance with credit union policies and appropriate regulatory statutes, including BSA regulations and those that correspond with specific job duties.

Water and Power Community Credit Union is an Equal Employment Opportunity Employer. We are committed to fostering a diverse, equitable, and inclusive work environment. The above statements are intended to describe the general nature and level of work being performed by people assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. All personnel may be required to perform duties outside of their normal responsibilities from time to time, as needed. Job duties, like positions, change and evolve over time. If the employee is unsure what is expected, he/she should meet with their manager.